I am getting life insurance and want to know more about blood test taken? should i be worried?

Question

alchool or drugs how long before i should worry?

Answer 1

it is only for checking your health status nothin to worry

Source:http://www.insuranceplan4u.com

Answer 2

If you have not taken any drug or alcohol on that specific day before testing, you need not worry.

Answer 3

I've never heard of taking a blood test to get life insurance. I found and insurance company that does not care for your health and takes anyone. I found this one threw the bank I go to. And the insurance company is a well known company so I fell at peace. Tr going to your bank and see what they have to offer on life insurance.

Answer 4

The blood test for life insurance will test for drugs, nicotine and cholesterol as well as checking you levels of:

Glucose is a measure of your blood sugar level. Blood sugar levels may vary depending upon the time of your most recent meal. High levels of blood sugar may occur in people with diabetes.

Fructosamine Glycated Albumin (AGP)

Hemoglobin A1C

Fructosamine and glycated albumin tests estimate your average blood sugar levels over a 2-3 week period prior to the blood draw and testing of your blood. Hemoglobin A1C (not performed on all applicants) is a test for estimating your average blood sugar over the preceding 4-6 weeks. Hogher levels may be seen in people with diabetes.

Blood Urea Nitrogen (BUN

Creatine

Blood urea nitrogen and creatine tests are tests of kidney function. High levels of urea nitrogen and creatine may occur in people who have kidney disease, but there are other possible causes, too.

Alkaline Phosphatase

Alkaline phosphatase is an enzyme found primarily in bone and liver. Higher levels of alkaline phosphates may occur in people with certain bone or liver diseases, but higher levels may occur in adolescents and pregnant women.

Total Bilirubin

Bilirubin is produced by the liver, primarily as a breakdown product of red blood cells. Higher levels of bilirubin may occur with certain benign congenital metabolic conditions, but may also be seen in blood disease or liver diseases.

SGOT (AST)

SGPT (ALT)

Gamma Glutamyltransferase (GGT)

SGOT, SGPT, and GGT are all enzymes that are primarily produced in the liver, but may occur in blood cells, muscle tissue, and other tissues. Higher levels of these enzymes in your blood may occur in a variety of liver disorders, as well as other conditions.

Total Protein

Albumin

Globulin

Albumin and globulin are two types of proteins that circulate in the bloodstream. Total protein includes both albumin and globulin. Blood protein levels can be abnormal in a wide variety of conditions.

Drugs an nicotine leave markers in your blood that stay longer depending on how heavy the substances are used. and your body size.

There is a bit of misinformation out there and that is cocaine is out of your system in 2-3 days. Well while that might be true LABS DON'T TEST FOR THE DRUG ITSELF. Yes, that is true, they look for the metabolite. A metabolite is something that the body produces when it ingests something, in the case of cocaine it is "benzoylecgonine" that will stay around long after the drug is gone, up to 30 days for a frequent user. THE DRUG ITSELF can stay in your bloodstream up to 72 hours. It can stay in your urine for about 1 or up to 3 days after single use. Habitual or chronic use can be detected in urine for up to 12 weeks depending on quantity, duration, and frequency of use.

Answer 5

If you are that worried about taking the exam, then you can apply for a lesser amount. Most companies do not require you to take an exam for policy amounts under $20,000 because the cost of the exam is coming out of their pocket.